| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | RELIASTAR LIFE INSURANCE COMPANY | $93K | — | $93K | 18.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $17K | — | $17K | 8.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.51% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.61% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD, SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.94% |
| CALEB GILMOUR3 | 515 S. MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| MICHAEL D CHRISMAN3 | 515 S. MAIN, SUITE 105 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.22% |
| VARIOUS3 | P.O. BOX 427 COLUMBIA, SC 71730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.05% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.64% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $5K | — | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $321 | — | $321 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $1.0M |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $61K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 302 | $201K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 274 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $169K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $70K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 270 | $499K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.